Thearada (Teddy) Namcharoen serves as an Analyst for PCDC’s Capital Investment team, which invests in underserved communities by providing advisory services and responsible, affordable loan capital.
Previously, Namcharoen was a Licensed Real Estate Salesperson in New York State and a Credit Account Officer at Bangkok Bank’s New York Branch, managing a portfolio of more than $350 million in loans related to real estate, automotive, chemical, and commodities products.
In the Q&A below, she talks about her work, her path to PCDC, and her passion for adventure — “from the sky to the ocean to the mountains.”
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How would you describe your responsibilities?
I’m responsible for supporting the loan officers by analyzing our clients’ financial statements and assisting with underwriting credit memos. These memos are much more than just numbers; they help tell the stories and impact of PCDC’s clients, especially in terms of community need.
In the case of Care Resource Health Centers, Inc. [left], for example, we delved into the need for integrated services in Miami-Dade County, where new HIV diagnoses are nearly four times the national average.
PCDC financed Care Resource’s new fully integrated, 49,000-square-foot center, which will enable seamless referrals between primary care and behavioral health providers.
I also work closely with my colleagues to cultivate new relationships with prospective clients and to maintain exceptional relationships with our existing clients. Additionally, I monitor existing clients’ financial health and report on credit portfolio management.
What drew you to PCDC?
Maybe it was fate? I’ve always wanted to do something meaningful with my skills and background in finance. Then I saw PCDC on LinkedIn — an opportunity to join a health care-focused, nonprofit Community Development Financial Institution (CDFI).
Health equity is particularly concerning to me, and so PCDC’s work — expanding access to high-quality primary care through capital financing and capacity building — really stood out.
At that moment, I knew I wanted to be a part of it, and now here I am.
What do you like to do in your spare time?
I enjoy all kinds of adventures — from the sky to the ocean to the mountains. In my spare time, I love doing research for my next adventure or physically training for an upcoming trip. To train for a trek in Patagonia, I wore my 25-pound backpack on the treadmill at the gym during my workouts! People were giving me really confused looks. My next big adventure is to climb Mt. Kilimanjaro in South Africa.
What’s the best career the advice you’ve ever received?
Before graduating from college, my teacher said, “Find a job that you like, so you don’t have to work hard to play hard because you’ll be working and playing at the same time.”
